Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (43%), consumer loans (14%), other (44%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1627 Holland Road
Maumee, OH 43537
Maumee, OH 43537
Phone Number
(419) 893-2170
NCUA Charter Number
Website
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